A reader says, “I have a query in portfolio rebalancing. When we are moving excess funds from equity to debt (based on asset allocation), normally from which asset, i.e. top performing or laggard fund, do we need to move? All funds in the portfolio are entered after considering all aspects, but given market volatility, few…

Investors often fixate on the returns of their investments. Some prefer higher returns and are willing to take on more risk, while others prioritize a guaranteed return with no threat to their principal investment. However, there are more aspects to consider in investing than just the returns. While it could be argued that real returns…

“Is AI necessary in investment advisory? Will it make a difference?” was one of the responses we received for this article: Retirement Planning with AutoGPT: The Informal Future of Investment Advisory. The truth is AI is already well and truly here and here to stay. At the time of writing, in areas relevant to us,…

A reader says, ” First of all, thank you for providing all the answers needed by me & all. A long time ago, I came across one of your articles about the rent vs buy topic wherein you mentioned that we need to save about half of the cost of the house and then get…

A reader says, ” After watching all portfolio management videos. I purchased the robo-advisory tool. I have set goals. Now I am good to go. Goal: Son’s education. 13 years time period. As per the robo advisory tool, for the debt portion, I have two options. One is Gilt funds & 2nd one is PPF…

Recently, I attended a gathering where the discussion turned to personal finance. Someone inquired about the best place to begin. Predictably, responses such as “security analysis” and “intelligent investor” punctuated the conversation. Many also pointed to blogs that repeat phrases Buffett and Munger popularised, with “investor” as a common theme in their titles, paired with…

I have tracked the amount invested in my goal portfolio for over 12 years. It has been a life and game changer for my family. Whether you track your spending or not, tracking your investment amount is crucial. Today, I can invest more for retirement than my target investment. That was not the case when…

A reader asks, “How to perform a portfolio audit? What are the steps? What should be the frequency? How to achieve it without impacting your core day-to-day job/business? Ideally, how many goal-based portfolios an individual should have at max?” A portfolio audit comes after proper goal-based financial planning and implementation of the plan. We recommend…

We recently recorded an episode on women and investing for the Let’s Get Rich with Pattu podcast (it should be released when this article is published). As I prepared for it, I realised that it was my fault that my wife was not interested in personal finance. My wife says, “As long as I have…

A reader requested a discussion on instruments suitable for short-term goals. So let us do just that. The definition of what a short-term goal is is arbitrary. The unsubstantiated thumb rule is to avoid all equity for any “need” five years away or less.  “Wants” are typically flexible, and one can afford to include some…

Here are some investing mistakes that cost time which is a more significant loss than money. 1 Trying to make up for lost time in a hurry: We often don’t seriously consider personal finance until we reach our early to mid-thirties. Once we begin, it’s easy to feel pressured to make up for lost time and…

This article discusses how the salaried can build wealth across generations. I am passionate about this topic because I have witnessed wealth diminish within my family from generation to generation. I am determined to do everything I can to prevent this from happening in the future. My great-grandfather lived an upper-middle-class lifestyle during the 1940s…

A reader says, “I have invested in equity mutual funds for the last two years. Should I also invest in stocks?” This is a question that only the investor can answer, but we can provide some guidelines. Why do you want to invest in stocks? Is it because you heard multibagger stories on social media…